The AED 15,000 Mistake
Imagine this scenario:
You spend AED 15,000 on a stunning Satin Black Colour PPF transformation. Your car looks incredible. Two weeks later, a distracted driver rear-ends you at a traffic light in Deira.
The damage to the bumper is covered by insurance. But what about the film?
If you didn’t follow the correct steps, the insurance company will likely say: “We are paying to repaint the bumper white. We are NOT paying for your fancy black sticker.”
Suddenly, you are paying thousands out of pocket to re-wrap the new bumper.
Here is how to make sure your Colour PPF is fully covered in the UAE.
1. The “Standard Policy” Trap
Most standard car insurance policies in the UAE cover the vehicle exactly as it left the factory. They calculate the value based on the base model specs.
They do not automatically cover aftermarket accessories, rims, or paint protection film.
If you don’t tell them it’s there, it doesn’t exist on paper.
2. Step 1: Declare It as a “Modification”
As soon as you drive your car out of Auto Glow, your next phone call should be to your insurance broker.
You need to officially declare the modification.
- What to say: “I have installed Paint Protection Film on my vehicle. The value of this addition is AED “
- The Cost: They might increase your premium slightly (usually a small percentage of the declared value), but this small fee protects the entire AED 15,000 investment.
3. Step 2: Keep Your Invoice & Warranty Card
If you do need to make a claim, the insurance surveyor is going to ask for proof of value. They won’t just take your word for it.
This is why dealing with a legitimate, registered company matters.
At Auto Glow, we provide a formal Tax Invoice and a Warranty Certificate.
- Save a digital copy of these documents on your phone or email.
- When you file a claim, submit the invoice immediately to prove that the film is a high-value asset, not a cheap sticker.
4. Step 3: The “Restoration” Clause
When you are shopping for insurance (or renewing), ask specifically about their policy on “aftermarket repair.”
Some cheaper insurers will agree to fix the car but will force you to use their “network garages.” These garages might not have the skills or the specific brand of film (like XPEL) to match the rest of your car.
The Pro Move:
Push for “Agency Repair” or “Repair at Workshop of Choice” in your policy.
This ensures that if your bumper gets damaged, you can bring the car back to us (the original installers) to re-apply the film perfectly, rather than letting a random body shop try to match the color.
Conclusion: Don’t Drive Unprotected
Colour PPF acts as insurance for your paint. But you need insurance for your PPF.
It takes 10 minutes to call your broker and add the coverage. It saves you a massive headache down the road.
Related Article :
- How to Legally Change Your Car Color in Dubai
- Will Changing My Car’s Color Hurt Its Resale Value?
FAQ
Q1: Does car insurance cover PPF in Dubai?
A: Only if it’s declared as a modification and added to the policy.
Q2: Is Colour PPF considered a modification?
A: Yes. UAE insurers treat PPF as an aftermarket accessory.
Q3: Will insurance pay to re-wrap PPF after an accident?
A: Only if the declared value is listed and supported by invoice.
Q4: Do I need agency repair for PPF claims?
A: Yes. Workshop-of-choice ensures proper colour and film matching.
Q5: Does declaring PPF increase insurance cost?
A: Slightly—but far less than replacing PPF out of pocket.
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